How much do SBA lenders typically lend to a professional employer organizations business?

The median SBA approval in NAICS 561330 is $166,000, with the middle 80% of loans between $30,000 and $1,610,000. Across all industries the median is $180,000.

Which lenders are most active in professional employer organizations?

By dollars approved: U.S. Bank, Byline Bank, Live Oak Banking Company, ChoiceOne Bank, Newtek Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

Is professional employer organizations considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 2.3% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 561330 · Administrative & Waste

SBA loans for professional employer organizations

217 SBA loans worth $121.4M have been approved in this industry since FY2010 - the #525 most-financed NAICS code in the country.

Median loan

$166,000

-8% vs all industries

Typical range

$30K-$1.6M

Middle 80%

Median rate

7.00%

7(a) initial note rate

Median term

10 yr

Charge-off rate

2.3%

vs 7.6% all industries

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Most active in this industry

Lender	Loans	Approved
U.S. Bank	11	$16.0M
Byline Bank	4	$10.8M
Live Oak Banking Company	5	$9.4M
ChoiceOne Bank	5	$9.2M
Newtek Bank	6	$6.3M
Western Alliance Bank	2	$3.8M
KeyBank	6	$3.6M
First United Bank and Trust Company	4	$3.4M
First Commonwealth Bank	1	$2.6M
Meridian Bank	1	$2.6M

Geography

Where these loans were made

State	Loans	Share
California	40
Texas	22
Florida	18
New York	15
Ohio	12
Michigan	9
Arizona	9
New Jersey	7

Approvals by fiscal year

’10

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Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
14%
$50K - $150K
26%
$150K - $350K
28%
$350K - $1M
18%
$1M - $2M
6%
Over $2M
8%

Nearby

Other administrative & waste industries

See the sector

Landscaping Services15,300 · $80,000 Janitorial Services6,400 · $100,000 Other Services to Buildings and Dwellings3,351 · $125,000 Employment Placement Agencies2,188 · $150,000 Solid Waste Collection1,841 · $176,300 Exterminating and Pest Control Services1,777 · $135,000 Remediation Services1,752 · $156,800 Private Mail Centers1,429 · $250,000

Common questions

How much do SBA lenders typically lend to a professional employer organizations business?: The median SBA approval in NAICS 561330 is $166,000, with the middle 80% of loans between $30,000 and $1,610,000. Across all industries the median is $180,000.
Which lenders are most active in professional employer organizations?: By dollars approved: U.S. Bank, Byline Bank, Live Oak Banking Company, ChoiceOne Bank, Newtek Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
Is professional employer organizations considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 2.3% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

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